5 Gates Ter, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 5 Gates Ter, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,804 sqft · built 1950
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Trust Names on File
Last Sale	$295,000 (May 2020)
Tax Bill	$5,245 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`STER M:00148 L:00022`

Property Details

APN / Parcel Number

Primary APN	`STER M:00148 L:00022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
Gross Area	3,206 sqft
Basement Area	776 sqft
Unfinished Basement	776 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	5 GATES TER
City	STERLING
State	MA
Zip	01564-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	22
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4031
Census Tract	719100

Owner

5 Gates Ter is owner-occupied and held in a trust since April 2025.

Source: Worcester County and Sterling Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	5 GATES TER, STERLING, MA 01564-2810
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Jun 16, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	Jun 16, 2017 · Amount on File
Deed Document Number	202054167
Deed Book / Page	62473 / 113
Last Transfer Date	Apr 1, 2025
Transfer Doc	071804-127
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 27, 2020
Property Address	5 GATES TER, STERLING, MA 01564-2810
Document Number	62473-113
Book / Page	62473 / 113
Instrument Date	May 23, 2020
Instrument	54167
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 VILLAGE WAY, HOLDEN, MA

Mortgage

Document Number	54168
Date	May 27, 2020
Instrument	54168

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Jun 16, 2017
Property Address	5 GATES TER, STERLING, MA 01564-2810
Document Number	57276-25
Book / Page	057276 / 000025
Instrument Date	Jun 14, 2017
Instrument	62707
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Amount	Amount on Record
Tax	$855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 GATES TER STERLING MA 015642810, STERLING, MA 01564-2810

Tax Assessment & Valuation

The 2026 property tax bill for 5 Gates Ter was $5,245, up 9.4% from the year before.

Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,245.00 (+9.41%)	$417,900 (+12.28%) Land $109,700 Building $308,200	$432,535 (-)
2025	$4,794.00 (+7.71%)	$372,200 (+11.3%) Land $95,000 Building $277,200	$432,535 (-0.91%)
2024	$4,451.00 (-5.48%)	$334,400 (+1.55%) Land $95,000 Building $239,400	$436,525
2023	$4,709.00	$329,300 Land $96,000 Building $233,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Gates Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Gates Ter is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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